BBB Business Reviews may not be reproduced for sales or promotional purposes.
Customer Complaints Summary
230 complaints closed with BBB in last 3 years | 91 closed in last 12 months
Total Closed Complaints
Advertising / Sales Issues
Billing / Collection Issues
Problems with Product / Service
Guarantee / Warranty Issues
Total Closed Complaints
Additional Complaint Information
Previously Merrick Bank Corporation had a number of complaints that were not closed within the BBB timeframe and are listed in this BBB Business Review as delayed resolution. The company has now agreed to the BBB Accreditation Standards which includes addressing marketplace disputes quickly, professionally, and in good faith.
Complaint: CRAs are required to stop reporting outdated information.It is usually the case that negative information about you that is over 7 years old (and 10 years in the case of bankruptcy) can no longer be reported.My outdated Merrick Accout remain on my credit report and it's been closed since 2006. DOB: ************ Last 5 Digit: **** Account number: XXXXXXXXXXXXXXXX
Initial Business Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of Mr. *******'s account was conducted. Mr. ******* had a Merrick Bank Visa credit card account from September 2006 through July 2008 when the account was paid in full and closed. The last payment received on the account was July 2008. The account will continue to report for 7 years from that date. The account will remain on Mr. *******'s credit file until July 2015.
Merrick has responded to several credit bureau disputes by doing an investigation of the account and responding back to each credit reporting agency thought the electronic dispute process.
Merrick has reported the status of the account correctly and accurately to the credit reporting agencies. Merrick is required to submit accurate reports on the accounts it reports on. The reporting will not be changed or deleted because that would be a violation of the Fair Credit Reporting Act "(FCRA") and the bank's policies.
Complaint Category: None of the Above - Refund or Exchange Complaint Issue
Complaint: This company charged me a 35.00 returned check fee and closed my account due to my checking account being closed but it is open Merrick bank charged me a return payment fee for 35.00 and closed my credit card account because "My account that I submitted payment with was "CLOSED"" My account was not closed there was insufficient funds due to a fraudulent charge and the bank fixed the issue and re-submitted payment which went through. I received a letter in the mail saying that my credit card was closed due to the "high risk nature" provided by my financial institution. I called my financial institution and they said that the payment was returned due to NSF not account being closed. I called merrick bank and they told me that they did not send a letter and that they closed my account due to NSF but the letter states specifically that it was due to HIGH RISK NATURE "ACCOUNT CLOSED" which is false. called them to get it fixed and was yelled at by a supervisor and treated horrible
Initial Business Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of Mr. ********'s account was conducted. Mr. ******** opened this account in May 2012 and has used the account for goods and services. The account has had 3 returned payments in the past 5 months. Mr. ******** explained to a representative that there had been fraud on his bank account for this most recent returned payment but has not provided a letter from his bank as proof of this even though it was requested. Merrick will be unable to reopen the account as Mr. ******** has requested. The cardholder agreement that governs this account indicates that Merrick can close the account for any reason or no reason. In this instance the number of returned items made this account a high risk to the Bank. Bank policy and the policies of our regulator govern the amount of risk that is acceptable. If Mr. ******** wishes to discuss options for payment of the balance owing on the account he can contact customer service at XXX-XXX-XXXX and find out what options may be available to him.
Complaint: My bank acct was debited twice and I disputed second charge. Now I can no longer use my bank account to make a payment. My bank act was debited twice for my Aug 2013 payment which I did not authorize. This put my bank account in the negative and caused an over-draft fee. I was advised by my bank to dispute the second charge so the Over-draft fee could be removed. I did and the second charge was removed from my bank account. When I went to pay my September payment I could not use my bank account because my bank account had been flagged saying it could not be used. They said it had been reported to be a bad account. I called them and spent 45 minutes on the phone trying to get this straight. They said I needed to fax in proof that the bank account was a good account. I went to my bank and got a current statement with all my account information which they said they had to have. My bank refused to fax it because they said they were not allowed to fax account information. So I went and paid to fax this information. My payment is due tomorrow and I need to make payment now. They said I will be charged a late charge if I don't pay it by tomorrow. Yet they will not accept the form of payment that I have used since I had this credit card. The bank account information I faxed them included current balance and everything. More than enough I needed to pay the payment. Plenty more. Still would not take it and still they are going to charge me a late charge. I have nom other account and no way to pay. This is ridiculous. How can they not allow me to make my payment and still charge me late fees?? Over something that was their error in the first place. I DONT UNDERSTAND?
Initial Business Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of Mr. ******'s account was conducted. It appears from the account records that Mr. ****** may have inadvertently authorized 2 payments online for the month of August. Then as he indicated in his complaint he asked his bank to not authorize the 2nd payment. Merrick places a block on the online payment center until it received clarification from the account holder's bank of what occurred with the returned payment. This is the Bank's policy and it is in place to help avoid risk to the Bank. Once that explanation is received from the bank the account is unblocked and payments can again be made online. Mr. ****** indicated that his bank would not do so via fax. Mr. ****** did provide that information to us and the account has been unblocked as he should be able to make payment online again starting on September 27, 2013. Merrick will monitor the account and if a late fee is incurred, Mr. ****** can contact us and request a waiver of that fee due to the circumstances.
Final Consumer Response (The consumer indicated he/she ACCEPTED the response from the business.) I accept because all I wanted to do is pay my bill.I only authorized 1 payment to Merrick Bank on a Friday.I was charged again at 6:30am the next day.I wasn't even awake then and I am the only one with the credentials to access their website.This was a unauthorized charge or I believe to be double charging.This also caused my bank account to overdraft.I called my bank and reported the unauthorized charge and Merrick Bank blocked the account.I don't know if it was a computer glitch or Merrick Bank.Seriously,why would I make two payments within a day?Now all I want to do is pay it off and find my scissors.Truly a horrible experience...
Complaint: I should not have to pay the full amount due, it should be minus all payments made. I had agreed to make monthly payments of $57.62 to pay off a Credit card, one of my payments was returned from my bank in March of 2012, although all other payments went through all the way up to October 2012 were deducted, the company representing Merrick said I broke a verbal contract with them and I have to pay back the original amount I owe them. ****** *********** LLC Po Box **** Old Bethpage NY XXXXX phone # X-XXX-XXX-XXXX my file # XXXXXXXXXXXXXXXX. When I called in February they offered me a payoff amount that was $300.92 I refused to pay the amount because I was never contacted by phone or mail that I defaulted in the agreement and why did they continue to take monthly payments out of my account, I have bank statements showing all deductions.
Initial Business Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX Merrick Bank ("Merrick") purchased a portfolio of loans which included Ms. ********* account in March 2013. From a review of the account records it appears that Ms. ********* has had 2 separate payment agreements that were not completed. Her account balance at the time the account was charged off was $1,063.60. The balance currently is $429.88. All of the payments she had remitted during both payment agreements have been deducted from the principal balance of the account.
Since there have already been two agreements that were not completed Merrick cannot agree to any additional payment agreements for less than what is still owing on the account. If Ms. ********* wishes to discuss any arrangement to make payments on the balance still owing she will need to contact the collection company, Federal Bond, who is managing this account.
Complaint: Merrick Bank should refund my credit balance Acct # ending ****
I have a credit balance of the above acct and Merrick Bank is not letting me access this acct citing security reasons and asked me to send a photo Id and 3 signatures and other supporting docs . I faxed this info including a Bank statement to verify my address. I also mailed this info to Merrick Bank and they are claiming they haven't received it. I have attached the supporting docs to this complaint. Please refund my credit balance ASAP
Business' Initial Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of the account was conducted. The account notes indicate that there was some confusion about who owned the account. A man and a woman had each called claiming to be the account owner. That confusion was the reason for the verification request. Merrick is required to abide by the federal privacy laws and it is not allowed to discuss or release information to anyone but the account owner without consent to do so. Since it was unclear which person was the owner of the account there was a hold placed on the account and the refund was delayed because of those concerns. This was done to protect both the account owner and Merrick from possible fraud on the account.
Since we have received the verification necessary the hold on the refund has been removed and a check for the amount of the credit balance will be sent to the account owner by Tuesday, September 3, 2013. That should be received by them in 4-6 days after it is sent. If there are any questions or if additional information is needed please contact us at XXX-XXX-XXXX.
Complaint Category: None of the Above - Credit, Billing or Collection Complaint Issue
Complaint: Merrick bank told the big 3 credit bureaus i paid my june payment 30 days passed due when the full payment was paid by the due date. my june payment was paid in 2 increments on merricks website on 6/11 and 6/27 equaling 144 dollars. my payment was due 6/27. merrick reported to the big 3 bureaus i was 30 days past due according to my credit reports "Accounts with Negative Information" portion showing a 30 days past due. this payment posted on merricks end on 6/13 and 6/29. Even going by the posting date of 6/29 (2 days past the due date), this is not 30 days past due. under terms and conditions that came with my credit card there is a grace period as well as late payment fees. This would definetly not fall under 30 days past due. if anything its 2 days late resulting in a late payment fee. Reguardless on what date posted or paid, 2 days late is not 30 days past due and it was posted to my account on 6/29. Im aware of late payments earlier in this year and accept them. I am trying to repair my credit and having a 30 days past due on my report for a payment posting through there system 2 days after the due date is damaging to my report. If anything i was 2 days late, not 30 days past due.
Initial Business Response Contact Name and Title: ******* *****-paralegal Contact Phone: XXXXXXXXXX After reviewing the payments made and applied to the account it shows that the payments for the past 8 months have been made past the due date or not until the next month on 4 occasions. For the month of June which Mr. ******* indicated in his complaint was made on time. The account records show that a total of $144 was due on or before the 27th of the month. Mr. ******* sent in 2 partial payments for that amount the first one received and posted on June 13 for $72.00 and the remainder for $72 received and posted on June 29th which is after the due date of the account.
I have enclosed copies of the statements reviewed and copies of what Merrick has reported the all three of the credit reporting agencies. Merrick will not change or modify the reporting status of this account as it accurately reflects the status of the accounts during the timeframes being reported. To change or modify correct information would be a violation of the FCRA and Bank policy. If Mr. ******* needs to change his due date so that it better accommodates his financial situation he can contact customer service and request that date be changed.
Final Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.) How is the reporting accurate?!? 2 days late is not 30 days! How can you say 2 days late is 30 days? Its not. How can this be accurate? What part of the simple math if this is not being understood? Explain to me how 2 days becomes 30?
Final Business Response The statements speak for themselves. The reporting is accurate and will not be changes. Merrick has no further comments
Complaint Category: Failure to correct billing errors
Complaint: This company failed to credit some payments to my account, incorrectly charged off my account and reported incorrect information to the credit bureaus I opened an account with GEICO CREDIT CARD in late 2006. I made payments to GEICO CREDIT CARD from May 2010 until August 2010. Then I was notified that GEICO CREDIT CARD was bought by MERRICK BANK. They gave me a new account number and I made payments to MERRICK BANK from September 2010 until I paid it off in January 2011. At one time, Merrick Bank took payments from me and failed to apply them to my account in a timely manner. Then Merrick Bank improperly charged off my account. Now Merrick Bank is reporting incorrect information to the credit bureaus. Merrick Bank tricked me by saying my account was transferred to another department when I called to discuss payment arrangements and check why payments had not been applied to my account. I believe at this time my account number was changed again. At this time Merrick credited and then reversed a payment I made. These payments are traceable payments made via Chase Bill Pay. I called Merrick to get information on my account as I could not access it online (I did not realize and was not notified it was charged off) and was transferred to another department which I learned two days ago was actually CARDWORK SERVICES. I have NEVER KNOWINGLY communicated the CARDWORK by phone or in writing, and I have NEVER received any mail or correspondence from CARDWORK. I have mailed Merrick several letters requesting this matter be resolved and my credit report be amended appropriately. This is when they got tricky on me. I recently discovered that Merrick Bank had been transferring me to CARDWORK Services Collection Agency when I called for account information. They would say they had to transfer me to another department. This entity (unknown to me at the time to be CARDWORK) told me they were MERRICK BANK but I recently learned I was actually transferred to CARDWORK services. CARDWORK services would act like they were MERRICK BANK and spoke to me about my credit dispute and give me account information. I only discovered the name of this company, CARDWORK SERVICES, when I called MERRICK BANK to request a letter indicated the account was PAID IN FULL (I needed it to provide proof of payment). As usual I called MERRICK BANK, they transferred me to the department handling my account and I requested a letter indicating this account was paid in full. I told them I did not like their customer services as they never sent me statements or allowed me access to my account OR sent me a letter saying the account was paid in full as I requested when I sent them a final payment. I have been disputing this and trying to resolve this the entire time and I expedited paying this account in full. After asking to speak to a manager I was told that this was in fact CARDWORK SERVICES, a collection agency and I had actually been paying them. I have made payments as agreed from my Chase Bill pay to Merrick Bank this whole time. This is not reflected on my credit report. MERRICK BANK has been paid in full. AGAIN, this account is PAID IN FULL! I will make a report against CARDWORK as well as they were working together in this deception. At this point I do not know WHO collected my money but I have PAID IN FULL.
Initial Business Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of Ms. *****'s account shows that it was charged off in 2010 and that subsiquently she paid the account off with the final payment being made in January 2011. The account has been reported as paid in full was a charge off since that date. Merrick does not hold payments each payment is credit on the day it is received. Ms. *****'s account has been paid in full as stated above and I have attached a copy of the most recent credit dispute response sent to all three credit bureaus.
Final Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this resolution. I would like a copy of my payment history from my Merrick Account and my and GEICO CREDIT CARD account (with dates) as this is where the discrepancy lies. This will allow me to provide relevant payment information. Merrick Bank denied me access to my account (electronically). I have documentation to substantiate this. I made all of my payments electronically although there may have been 1 or 2 occasions I paid by phone (I can't recall). Other than that, I sent all my payments via Chase Bill Pay and therefore cannot provide front and back of payments. However, I do have all my bank statements showing I made payments April through December 2010. In addition, I made payments January 2011 until I paid it off in full in 2012. Therefore, before I accept the businesses response: I request: 1) Merrick provide me with their records of my payment history with exact dates from all accounts associated with this debt (including GEICO CREDIT CARD) 2) Merrick accept my bank statements indicating that I made online payments instead of copies of front and back of payments since I do not and never had these. This information is necessary as in the past I was denied access to my account information and mislead.
Final Business Response If Ms. ***** would like to provide copies of payments made that she believes were not credited to her account. Merrick will re-investigate ths issue and make any necessary corrections after that informaiton is received and the investigation completed. She will need to send copies of the front and back of any payments she believes were not credited to her account. Please have her send them to Merrrick Bank PO Box 5000 Draper UT 84020. to my attention. Thank you
Complaint: I did a check by phone to stop the charge-off of my account and Merrick Bank charged off the account anyway without my knowledge. I have an account with Merrick Bank the account number is XXXXXXXXXXXXXXXX. I'm now at the end of a 2 year child custody battle so with the attorney and court fees it was just feasible for me to continue to pay on my credit card accounts. Being that the case is wrapping up I called Merrick Bank to see what are my options on avoiding the charge off and keep my account active. I spoke with an agent at the end of March who stated that she can put me in a program that would avoid the charge off and my monthly payment will be $20 also my interest rate will drop to 6%. The agent stated that I will need to make a payment of $148 to qualify and avoid the charge off. I advised the agent that I was interested and asked if I can post date a check for 4/5/13. The agent stated that will be fine. So I gave the agent my information and asked that she put the $20 payments on auto draft. The agent agreed and she also recommended that I pay more monthly being that the interest rate is down to 6% to get the balance paid off quicker. On 4/6/13I received a letter in the mail from Merrick Bank outlining the program I agreed to enter in. The fist thing on the letter that alarmed me it stated my account would be closed. Being that is not what I was told by the agent I immediately picked up the phone and called Merrick Bank. I was transferred to the internal Recovery Department for Merrick Bank and spoke to a very rude and aggressive agent I think his name was ***. Of course *** did not notate the account after the call because he was out of line and totally unprofessional. *** advised me that the account had been CHARGED OFF! He stated that I should have made the payment quicker. I advised *** that I would not be spoken to in this manner and requested a Supervisor in which he refused at first but I kept insisting so he placed me on hold and transferred me. Without notifying me he transferred me to another company by the name of Carson Smithfield. I was explained by the Supervisor there that my account was transferred to them from Merrick Bank. I never received any type of written notification from Merrick Bank which is against the FDCPA. When I explained the situation to ********** she stated she will investigate with Merrick Bank and have them listen to the call when I gave the check by phone and see if she can get the charge off reversed. I advised that I will be calling Merrick on my own because they mislead me and took my money and did not fulfill their end of the agreement. I do not understand why I was placed in a program and they did the check by phone knowingly that my account was scheduled for charge off. This is misleading collection tactics and it is illegal I will not take this lying down I will FIGHT. I called back to Merrick Bank and got to the customer service department I explained to the representative I needed to speak to a supervisor. The Supervisor refused to get on the line and the agent transferred me to the recovery department in which I asked to speak to a Supervisor and was hung up on. This is not the way a consumer should be treated. I called back and got Supervisor on the line by the name of ***** in the customer service department. I gave ***** my account number she refuse to listen to anything I was saying and placed me on hold she came back to the line with someone else on the phone as I was calling her name for her to listen she dropped the call on the agent by the name of *** with Carson who was in shock of what she just heard and transferred me back. So I got a Supervisor by the name of ******** with the Customer Service department I advised I didn't want to speak to a Sup with Carson I wanted a Supervisor with Merrick Bank Collections. Because that's who took my funds. ******** stated its the weekend so they don't have a supervisor in that department. I found that to be unbelievable that a department is left unmanaged she transferred me back to Carson without informing me. I have never been treated so rude.
Business' Initial Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of Mr. ******'s account was conducted. After reviewing the account and listening to the phone calls regarding the initial setup of the fixed payment plan. It is clear that the representative did tell Mr. ****** that if he made the initial payment of $148 that would stop the charge off of the account. I have requested that the account be removed from charge-off status and that the payment plan be reinstated as Mr. ****** agreed to. It will be important that Mr. ****** make all of the payments, according to the letter which outlined the program, he originally received beginning in May. He should call and speak to a supervisor in the collection department regarding this matter to ensure that the process is still set up or to reinitiate it if it has been cancelled because of the charge off. He can contact **** ****** at XXX-XXX-XXXX x **** to discuss. The charge off report sent to the credit reporting agencies has been requested to be removed. Mr. ****** should check his report in about 2 weeks to ensure that has been corrected as well. Merrick will take this situation and use it as a training tool for its representatives to ensure that they understand the dynamics of this type of issue. Merrick also apologized to Mr. ****** to any concern this may have caused.
Consumer's Final Response (The consumer indicated he/she DID NOT accept the response from the business.) Merrick Bank needs to understand that it does not matter what the letter is stating!! It was not explained to me when I agreed to the payment plan over the phone by the representative. Which was at the end of the month when everyone is trying to hit their number. The agent is used false and misleading collection tactics which is against the FDCPA and if this something Merrick Bank practices I have no choice but to have my attorney subpoena the recording and proceed in a more legal capacity.
Business' Final Response Mr. ****** needs to refer to the letter he received regarding the payment plan. It clearly states that the account will be closed. Merrick has no furhter response.
Complaint Resolution: BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
Complaint: Merrick Bank has charged me late charges on a credit card I never received and has also put a deragotory mark on my credit score. Merrick Bank claims it sent me a credit card. I never ever received a credit card from Merrick Bank. I did receive "something" from Merrick Bank, although I repeatedly threw those envelopes away, thinking those letters were among the hundreds of junk mail/credit card junk mail I receive yearly. I did open one of the last statements I received. To my astonisment, Merrick Bank was charging me an activation fee for a credit card which was NOT in my possession, which was NEVER received by me and which was NEVER ACTIVATED by me or any other person. I have contacted Merrick Bank on several occasions and they simply refuse to assist me in this matter except to say that they will "credit" my account, AN ACCOUNT I DID NOT EVEN HAVE!!!, for the $48 activation fee. Since they "credit" the activation and close this account, I let this matter settle. Now I find that Merrick Bank had a "over 30 day" past due deragoty mark on my credit report. I again wrote to them, explained the situation and asked them to remove the remark from my credit report. This is the ONLY derogatory remark on my credit report. Merrick Bank has repeatedly REFUSED TO REMOVE this mark from my credit report.
Initial Business Response Contact Name and Title: ******* *****-Paralegal Contact Phone: XXX-XXX-XXXX A review of the account Ms. ******** wrote the complaint about was conducted. It does appear that Ms. ******** contacted Merrick and requested the account that was never activated be closed. Merrick did so in September 2012 and waived the fees associated with the account. Part of this process should have been the deletion of the tradeline from Ms. ********'s credit file but this did not occur. Merrick has as of today sent a request the all three credit reporting agencies to delete Merrick's tradeline from Ms. ********'s file. This could take up to 2 weeks to be completed. Ms. ******** should check her report after that time and the Merrick account should no longer appear on her file. Merrick apologizes for this issue and any unnecessary concern it may have caused Ms. ********.
Final Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.) I want to keep this complaint open until I confirm that the remark has been removed from my credit report. In the alternative,for my records, I would like confirmation in writing from Merrick Bank that the derogatory remark was put on my credit report erroneously. Merrick has admitted that this process may take up to two weeks to complete. Since I was not approved for a car loan due to this remark on my report, I do think Merrick should compensate me monetary for this situation. They should not be allowed to just remove a remark with no consequences at all for what they did to my credit and car loan. I was embarrassed at the dealership. Again, this credit card was NEVER RECEIVED BY ME. Merrick Bank still maintains that it was "NEVER ACTIVATED". I want them to admit that I am CORRECT that this card was not received by me!! To that end, I will accept $1,000 as compensation for the bad credit report and my time for trying to straighten this matter again and again with Merrick Bank. Also, Merrick's employees were very rude to me on numerous occasions. In all, I called the bank on at least 7 occasions and wrote to them three times. I want to be compensated for their total disregard for the truth.
Final Business Response Merrick will not pay any compensation. The credit report change was requested but Merrick has no control over when or how long it will take the agencies to make the change requested. Merrick has no further response.
Complaint: I recieved a letter from Merrick Bank stating that they have closed my acct due to excessive # of revolving credit accounts. Never heard of this being done in my life. I have never been late on my payments to them or any other cc I have out there. This is a black mark on my credit report due to this and the reason they are giving is real messed up. I called to talk to customer service and talked to ***** and he said they are trying to help me by closing my acct. Thats not really up to you Merrick Bank and I could understand it if I was late but I have never been late.
Business' Initial Response Contact Name and Title: ****** ******-Paralegal Contact Phone: XXX-XXX-XXXX A diligent review was preformed of Ms. ******' account. Merrick decision to close the account was based upon a risk analysis that is routinely performed on its credit card portfolio. The results of that analysis indicate that consumers who have opened an excessive number of new card accounts in 6 months have a higher risk of default. Merrick's decision was based upon the business risk to the bank. Merrick's cardholder agreement, Section 13, states that "the account can be revoked, suspended or cancelled at any time with or without reason".
The risk analysis to determine account closures based upon excessive recently opened bank card accounts is performed monthly beginning when the account has been open for at least 6 months. TransUnion provides the Bank with updated scores and attributes for its portfolio of card accounts which includes information about new bankcard accounts opened within the previous 6 months. A full credit report is not requested for this purpose. If the cardholder has opened 4 new bankcard accounts during the period reviewed, excepting the Merrick account, the account is closed for excessive new accounts.
The Fair Credit Reporting Act requires Merrick to report accurately the status of the accounts reported to the credit reporting agencies. The credit bureau reporting is accurate and Merrick cannot change that reporting. I have enclosed a copy of the cardholder agreement.
Consumer's Final Response What I would like from this is the black mark off my credit report and my credit card reinstated .
This is very UNFAIR TO THE CLIENTS OUT THERE WHO HAVE A GOOD STANDING IN PAYING THEIR BILLS ON TIME WHICH JUST HAPPENS THAT I AM ONE OF THEM.
Who are they to tell me how many credit cards I can have ? They accepted my application plus with an increase a couple of months ago so with the increase in my credit limit shows that I have been a good paying client and in good standings with them.
NOT FAIR AT ALL!!
Complaint Resolution: BBB determined that while the company addressed the complaint issues, the complainant was dissatisfied and the matter was outside BBB Rules of Arbitration.
The information in the table below represents an industry comparison of businesses which are of the same relative size. This is based on BBB's database of businesses located in Utah. Businesses may engage in more than one type of business. The percent of time the business engages in a type of business is not accounted for. There is no known industry standard for the number of complaints a business can expect. The volume of business and number of transactions may have a bearing on the number of complaints received by BBB.
BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer.
BBB found business made good faith effort to resolve complaint but customer not satisfied with business response
BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration.
Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint
BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration.
BBB did not receive a response from business
BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint.
BBB cannot process complaint
This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.
Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.
BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
Some Better Business Bureaus offer additional content and services in BBB Business Reviews. The additional content and services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release. Not all enhanced content and services are available at all Better Business Bureaus.
We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.